OkCredit is a digital bookkeeping solution for retail SMBs. OkCredit is a digital ledger app for small business owners and their customers to facilitate the recording of credit/payment transactions digitally all over India. OkCredit equips merchants with an uncomplicated and secure means of administering credit and debit records for their business conducted on an account basis. It digitizes their transactions and documents payment, hence, diminishing the burden of maintaining paper account books aka Bahi Khata. The ability to provide on-demand clarity of the merchant’s record to the shoppers is achievable for the first time.